Community Champion Organization
Personal Finance Expert The Grind Coaching & Consulting
The Grind Coaching & Consulting carries a mission that surpasses the standard delivery of one-on-one financial guidance – the organization operates with a community-first spirit. This dedication shows through its continued donation of financial wellness resources, school partnerships, and public learning initiatives across Kansas and in states throughout the nation.
As an organization, The Grind challenges the conventional approach to financial education by developing personalized, forward-thinking programs that connect deeply with participants. Through engaging workshops, storytelling, and actionable strategies, the company supports individuals to achieve stronger financial footing, ultimately encouraging long-term prosperity across the wider community.
Company History
At The Grind Coaching & Consulting, we operate at the intersection of financial education, behavioral coaching, and real-life financial application.
In an industry that often prioritizes transactions over transformation, our focus is on equipping individuals, families, and small business owners with the knowledge, tools, and confidence to take control of how they spend, save, borrow, and plan. Financial wellness is not a one-time event – it is a lifelong journey, and our role is to walk alongside people every step of the way. With over a decade of experience in banking, lending, and financial services, our foundation is built on both industry expertise and real-world understanding. We have worked with more than 200 individuals and families, helping them achieve meaningful financial outcomes such as reducing and eliminating debt, improving credit health, increasing savings, preparing for homeownership, and building or strengthening small businesses. These outcomes represent more than financial progress – they represent stability, dignity, and opportunity.
Each story reinforces our belief that when people are given the right tools and support, transformation is not only possible, it is sustainable. Our approach is rooted in meeting people where they are. Financial circumstances are deeply personal and often shaped by life events, generational patterns, access to information, and systemic barriers. Because of this, we do not believe in one-size-fits-all solutions. Instead, we focus on practical strategies, behavioral change, and consistent accountability.
Through workshops, one-on-one coaching, and customized financial plans, we help clients move from confusion to clarity, and from financial stress to financial confidence. We believe that clarity creates confidence, and confidence leads to better decisions. As we continue to expand, we are also building technology-driven access to financial wellness through our platform, Voyage CFO 4U, set to launch in 2026. This platform is designed to function as a personalized financial guidance system, giving individuals access to a “Chief Financial Officer” experience for their everyday lives.
Voyage CFO 4U integrates education, planning tools, and behavioral support in a way that meets users where they are financially and guides them toward where they want to be. The goal is to remove barriers to access, simplify complexity, and scale financial empowerment to more people than traditional models alone can reach. Our mission extends far beyond our organization and is deeply rooted in community impact. Through our alignment with the National Financial Educators Council, we are part of a national movement to elevate financial literacy and create sustainable change across communities. This partnership reflects our commitment to structured, evidence-based financial education that is accessible, practical, and designed for real-life application.
Since becoming actively involved in financial literacy initiatives, The Grind Coaching & Consulting has contributed to workshops, seminars, and community programs focused on expanding access to financial education across Kansas. We have partnered with schools, nonprofits, and local organizations to deliver structured programming that helps individuals build foundational financial knowledge while also addressing real-world challenges such as budgeting, credit, debt management, insurance literacy, and long-term planning. Our work is intentionally designed to be relevant, culturally aware, and adaptable to different life stages and income levels. We believe financial education should never be reactive. Too often, individuals seek help only after financial stress has already escalated into crisis. Our goal is to shift that timeline – bringing education earlier into schools, workplaces, and community spaces so people can make informed decisions before challenges become overwhelming. When financial education is embedded into everyday systems, it creates a ripple effect that strengthens families, workplaces, and entire communities.
Our participation in this campaign is grounded in the belief that financial wellness must be treated as a standard, not a privilege. By contributing to this work, we are helping build long-term infrastructure for financial capability – systems that prioritize education, access, and measurable outcomes. This includes supporting organizations in implementing structured programming, connecting them with certified educators, and helping them track impact in meaningful ways. The goal is not only to educate, but to ensure that education translates into lasting behavioral and financial change.
At The Grind Coaching & Consulting, we hold ourselves to high standards of professionalism, ethics, and continuous development. Financial education is a responsibility, and we approach it with care and accountability. Our leadership is certified through the National Financial Educators Council, which ensures that the education we provide is structured, unbiased, and aligned with nationally recognized standards. This certification reflects our commitment to delivering instruction that is both credible and high-impact, with a focus on real-world application rather than theory alone.
In addition to our financial education work, we also provide protection and risk management services through Luthi & Associates, Inc. in partnership with American Family Insurance. As licensed Protection Advisors, we maintain required state licensing across Kansas and Missouri in property, casualty, life, health, and commercial insurance. This licensing requires ongoing education, compliance, and adherence to strict ethical standards designed to protect consumers and ensure responsible guidance. Our dual focus on financial education and protection allows us to support clients in both building and safeguarding their financial lives. We are committed to continuous learning because the financial landscape is always evolving.
Economic conditions, lending practices, insurance structures, and consumer needs are constantly changing. In order to serve effectively, we must remain informed, adaptable, and committed to growth. This ensures that the guidance we provide is not only relevant, but also responsible and forward-thinking.
Financial wellness initiatives within The Grind Coaching & Consulting are led by Fátima Pérez-Luthi, Founder and CEO, Financial Health Strategist, and Protection Advisor. With over 13 years of experience in banking, lending, and financial services, she brings a unique combination of professional expertise and lived experience to this mission. Her career spans roles from teller to branch manager and mortgage lending advisor, along with leadership in training and developing loan originators. These experiences, combined with her work in financial coaching and community education, shape a deeply informed and human-centered approach to financial wellness. Her leadership is grounded in a commitment to access, equity, and empowerment. Having witnessed firsthand the gaps within the financial system – including barriers faced by non-English-speaking individuals, lack of transparency in financial products, and limited education in lending environments – she is dedicated to building solutions that prioritize understanding and informed decision-making. Her vision is to ensure that financial education is not only available, but truly accessible and actionable for all individuals, regardless of background or income level.
Through Pérez-Luthi’s leadership, The Grind Coaching & Consulting continues to expand its impact while also advancing the development of Voyage CFO 4U as a scalable solution for financial empowerment. This dual approach – combining human-centered coaching with technology-enabled access – positions the organization to serve both individuals and communities at a deeper level. We believe financial wellness has the power to change lives, strengthen families, and transform communities. Our commitment is to continue building pathways that make financial education accessible, actionable, and sustainable. Through our work in Kansas, our partnerships, and our participation in this campaign, we are helping individuals gain the confidence and capability to make informed financial decisions while also supporting organizations in delivering high-impact education. At the core of everything we do is a simple belief: when people are equipped with the right knowledge, supported with the right tools, and given access to the right systems, they can build a stronger financial future. That belief drives our work every day, and it is the foundation of our commitment to the communities we serve.
Community Service Gratitude for The Grind Coaching & Consulting
Support from The Grind Coaching & Consulting and its Founder, Fátima Pérez-Luthi, has empowered the Kansas Financial Educators Council to connect with more communities, families, and service organizations that benefit from strong financial wellness programming. This assistance helps expand workshops, professional training, and educational resources aimed at helping Kansans achieve greater financial balance and resilience.
These contributions also help shine a brighter spotlight on the pressing need to strengthen financial knowledge not only within Kansas but nationwide and around the world. As a result, the financial wellness movement gains additional energy, credibility, and public engagement.
Fátima Pérez-Luthi’s role in advancing financial education highlights her focus on strategic innovation, inclusive growth, and measurable social outcomes. Her guiding philosophy emphasizes transforming financial learning into clear, actionable guidance that truly supports everyday financial success.
